Post Office MIS: There will be guaranteed earnings every month.
The Indian Post Office has launched a new monthly income scheme (MIS) for 2025, which gives assurance of giving fixed returns every month on your money. In this scheme, the investor has to deposit a lump sum amount and in return he gets a monthly income at an interest rate of 7.4 percent. This scheme is especially for those who want regular income for their everyday expenses. Whether you invest alone or through a joint account, the post office has brought a means of trusted income for you with the entire system of investment in this scheme. Let’s know the benefits of this scheme and the entire process of investment.
Who can invest?
To invest in this scheme, the minimum age must be 18 years. If you want to invest in the name of Minor, then you can do this by opening a joint account, which can include a maximum of three adults.
Under the change of 2025, now the maximum investment limit has been increased to Rs 4.5 lakh in a single account, while this limit in joint account is up to Rs 9 lakh. This gives big families or joint investors a chance to deposit more amounts and get better monthly income.
Investment income income
Keeping in mind the interest rate on the post office MIS scheme, we have prepared a detailed table of investment and monthly returns.
| Investment amount | Annual interest rate | Annual income | Monthly income |
| ₹ 1,00,000 | 7.4% | ₹ 7,400 | ₹ 616.66 |
| ₹ 2,00,000 | 7.4% | ₹ 14,800 | ₹ 1,233.33 |
| ₹ 3,00,000 | 7.4% | ₹ 22,200 | ₹ 1,850.00 |
| ₹ 5,00,000 | 7.4% | ₹ 37,000 | ₹ 3,083.33 |
| ₹ 7,00,000 | 7.4% | ₹ 51,800 | ₹ 4,316.66 |
| ₹ 8,00,000 | 7.4% | ₹ 59,200 | ₹ 4,933.33 |
| ₹ 9,00,000 | 7.4% | ₹ 66,600 | ₹ 5,550.00 |
Suppose you invest a lump sum of 9 lakh rupees, then you will get a paved income of about 5,550 rupees every month. On a quarterly basis, this amount is Rs 16,650, which can support your monthly expenses.
Investment duration 5 years
The duration of investment in this monthly income scheme of the post office is 5 years. At the completion of 5 years, interest will also be in your fist along with your investment amount. During this time you are guaranteed to get regular monthly income every month, which gives stability to your economic plans. This scheme is especially useful for those who avoid risk and want stable income. It is considered a safe option due to government guarantee and reliable service.